Established in 1907, Amica (The Automobile Mutual Insurance Company of America) was introduced to the insurance industry long before many of its competitors. The company’s headquarters are located in Lincoln, Rhode Island, although they were originally housed in Providence upon its founding. While it is unclear how many employees the company houses, there are 44 offices across the country—a dynamic number in comparison to other companies. Its popularity has grown over the years, especially after it appeared on Fortune 1000 in the year 2007.
The company was recognized as “Customer Service Champ” by Bloomberg BusinessWeek. Discounts vary largely, but they offer a wide array of possibilities for every type of driver. In general, their website shares everything you need to know, including possible discounts and how to qualify for them. If you have any questions, they provide reps to answer them.
Property damage: Yes
Bodily injury liability: Yes
Uninsured motorist: Yes
Personal injury: Yes
Medical payments: Yes
Emergency road service: Yes
More than anything, this company dedicates itself to providing customers with a wide array of discounts. Discount factors include each particular driver, the features that make up each particular car, and the driver’s family members. There are nationwide discounts, including Multi-line, Loyalty, E-discount, and an automatic payment plan. Below you can find information on these discounts:
- Multi-line is a plan that provides discounts to those using Amica’s auto as well as home coverage.
- Loyalty is a discount awarding those who have been insured by Amica for extended periods of time.
- E-discount is a discount given to those who sign up for e-policy and e-bill.
- The automatic payment plan discounts those who have set up automatic payments.
If your car has one or more of the following features, you can qualify for additional discounts:
- Anti-theft devices: An alarm system, active alarm, passive alarm, vehicle recovery system such as LoJack, or tracking system such as OnStar.
- Airbags: Equipped autos will result in lower rates. Additional reductions apply for torso-protecting side bags.
- Electronic stability control: This is a discount for an equipped auto with factory-installed four-wheel electronic stability control system
More discounts are available for those who have taken driver’s training, accident prevention classes, or students with good grades. There are even discounts for people who do not request full coverage on their insurance plan.
In terms of pricing, for a 27-year-old with a Toyota Camry, monthly payments average at $142/month. Medical payments are covered for up to $1,000. There is also a collision deductible of up to $500, another deductible for factors other than collision of up to $500 as well, and rental reimbursement of anywhere between $20 to $600. Full glass coverage is included, but there is no coverage for towing and labor costs.
Amica customers can both file and track claims online through an Amica account. Customers can also update their profile, make payments, print ID cards, and e-sign documents online.
Amica currently has an A+ rating with the Better Business Bureau. While several complaints have been filed, especially in regard to their product itself, the company has sufficiently resolved those complaints to the satisfaction of the customers.
Selling car insurance since 1907, Amica is the oldest mutual automobile insurer in the U.S.
Amica provides insurance to residents in 49/50 states: all but Hawaii.
If you have been licensed to drive for less than three years, Amica does not offer a plan for you. This is unfortunate for families with adolescents who have just begun to drive or for those who simply could not be licensed earlier for other reasons.